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We're removing the ability for insurance companies to deny insurance for pre-existing conditions, meaning that if you do get sick, you'll just sign up for insurance immediately instead of paying for everything yourself. The fee is what you pay for the benefit of this guarantee. Just like how you pay for a military just in case someone attacks us, or pay for schools just in case you have kids.

I do understand your point although I do believe that it is the right for insurance company's to deny coverage for pre-existing conditions as a way to protect themselves from people trying to circumvent their service.

But why do we need this the pre-existing conditions clause if you're just going to be paying a fee anyways? You're just paying a fine to the government instead of paying a fee to a company, and in the end you get the same care.

The pre-existing condition clause was primarily meant for people who couldn't get insurance because providers were able to discriminate. Eliminating their ability to do so creates a whole new set of incentives where people can just wait to get sick before buying insurance, which is what the fee is supposed to cover.

But the government gets the money, don't they? Doesn't that mean that instead of paying the company for insurance, you pay the government? Kind of makes me think insurance companies may take a hit to the wallet.